Family Emergency Accommodation Townsville
provides a range of housing and support services to families

No Interest Loan Scheme (NILS)

What is NILS?

  • No Fees
  • No Interest
  • No Charges
  • The No Interest Loan Scheme (NILS) provides individuals and families on a low income access to safe, fair and affordable credit.
  • Maximum loan amounts may vary, but credit can start from $300 up to $1200 for essential goods and services.
  • Once your application is approved, repayments are set up at an affordable amount over a 12 to 18 months period.
  • With NILS, no credit checks are made as this is a program based on trust and respect.

Loans are available for the purchase of essential goods and services. Such as household items like:

  • fridges
  • washing machines
  • stoves
  • dryers
  • freezers
  • furniture


To qualify you must:

  • Have a Health Care Card/Pension Card or be on a low income
  • Show a willingness and capacity to repay.
  • Reside in your current premises for more than 3 months

For more information download a NILS Brochure


Download a Enquiry Checklist

Email us for more information including an appointment

[email protected]